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Is 2019 the year you’re planning the trip of a lifetime? Whether it’s exploring the world with friends or heading to a dream destination with your other half, there’s no doubt that the prospect of clear blue skies and fresh adventures is hugely enticing as we trudge our way through a dreary grey winter at home. But while the dreams are certainly there, are the funds? Going on your travels can be quite pricey, so making plans and saving up is a must for most of us. If you have the will and the commitment, you can make it happen – here’s how…

It’s all too easy to say to yourself that you’re going to save each payday, only to get to the end of the month and find you don’t have any cash left over to save for your trip. So the best thing to do is set up a separate savings account with a standing order for a set amount to come from the account you get paid into. You can also use an app like Moneybox, which lets you combine regular savings amounts with a feature which rounds up the change and saves it on any card purchase. Automate the process as much as possible to avoid the temptation of dipping into your savings for other reasons.

Make A Budget Plan

If you don’t know exactly how much you’re spending then you can’t make savings. So, coming up with a budget plan is vital. Start by looking at your last bank statement and noting down all of your bill amounts, any credit card payments or joint loans for couples you have. The amount left over is your discretionary spend. Look at areas like unused subscriptions you can cancel, or little spending habits like that weekly takeaway that add up. But remember it’s important not to cut out all the run – you’ll only resent it otherwise and end up breaking your spending plan.

Be Smart About Your Bookings

Shop around to find the best possible deals on everything – flights, accommodation, transfers and food. Look at the time of year you’re planning to travel – some places still have beautiful weather outside of the peak travel season when you’re likely to pick up better deals. With flights, if you choose not to fly direct sometimes you can save big with several smaller operators, or by picking less popular flight times. With your accommodation, investigate whether one of the new boutique hostels could be an option. They have sleek design but cost far less than a hotel.

Remind Yourself Why

Saving involves making little sacrifices quite often and sometimes it can be hard to stay on track. So it’s useful to remind yourself of the bigger picture. Try changing your phone wallpaper or your desktop at work to a picture of your dream destination, or start a Pinterest board of holiday outfits that you can look at whenever you feel discouraged. You’ll be sat on that beach before you know it!

As another year is coming towards the end, I wanted to express how thankful I am.

A year in which I have learned what’s important, and who’s important. A year in which I struggled, and I conquered. A year where I doubted myself, but I managed to rise again. A year which thought me to love unconditionally. To do right thing. To let go of those who brought negativity into my life. To let go of those who made me feel miserable. I have learned to focus on what I have, instead of what I don’t.

Instead of recapping this whole year, I will write about the future. There’s so much to look forward to in the coming year.

2019 is the year we have been working towards. The year we have been waiting eagerly for. 2019 is our year! It has a lot of firsts, and a lot of milestones for us. In 2019 I will…

♡ Get married to my soulmate! ♡

I will travel together with my husband-to-be for the first time outside of Europe!

Nothing’s more exciting than moving into your first home with a partner. Whether you’re dating, engaged, or married, this can bring a new dimension to your relationship. Finally, you’ll be able to wake up to that dreamy face every morning. You’ll be able to rest easy that the love of your life will come through that door every night.For these reasons, it’s easy to get carried away the moment discussions about living together start. You may feel so desperate to have him close that you go straight online to look at houses. Within weeks, you’re signing a contract and accepting the keys.Urgency like this is understandable, but it doesn’t always work out. If you don’t discuss particular things before agreeing on a place, the mask could soon start to slip, and you might not like what you see underneath. Even worse, it’ll be too late to walk away.

To make sure that doesn’t happen, there are some essential factors you need to discuss before moving in. For the most part, these are financial. To make sure money doesn’t tear you apart, be sure to ask your partner these financial questions before you move.

The chances are that your finances have been pretty separate until now. You might not have any real idea of how much your partner has to play with. But, this is something you need to know if you’re moving in together. How much they can afford dictates the properties you can consider. If you feel awkward asking straight out, don’t. Just ask how much rent they think they can manage, and be honest about what you can afford too. How is their credit rating?Again, credit ratings are difficult to discuss. This has probably never come up in your relationship, but now is the time. If you’re applying for a rental or a mortgage, your success depends upon decent credit scores. That’s why you need to know if your partner has any issues in this department. It’s better to get these out in the open now than when you fail a check. That way, you can direct them towards resources like this Self Lender review to help build their rating fast. Options like these provide the chance to loan money from yourself. They could see your partner passing credit checks in no time. But, you can’t use them if you don’t ask the question!Are they willing to split the bills?This may seem like an obvious point, but don’t just assume you and your partner will split the bills. Instead, make sure that they would be willing to do this. Some couples settle for one person paying bills, and another paying rent, for example. But, that might complicate things in your first home. Your easiest option, then, is just to split everything down the middle. Make sure your partner is on board with that before ending with an unexpected financial burden which could snap the back of your romance.

Far too many people stay in bad relationships that end up affecting their mental health and ruining their chances in life. If you’re in one of those relationships at the moment; it is essential that you do something about it as soon as possible. Lots of women feel like they’re stuck, and so the information on this page should come in handy. The article explains why you need to get out of the relationship, and it also offers some advice on the methods and strategies you might like to consider. With that in mind, let’s get started!

Why you need to get out of your bad relationship

Confidence

People in adverse or negative relationships will always suffer a lack of confidence that can affect their lives in many different ways. You might never apply for that dream job, and you might never fulfill your ambitions of launching a company or volunteering and traveling the world.

Happiness

As mentioned a moment ago, bad relationships can affect your mental health and leave you feeling depressed or anxious. Unless you want to visit a therapist every week and take medication for the rest of your life; it is imperative that you remove yourself from the situation as soon as possible.

Opportunities

Being in a bad relationship can mean you never take up the opportunities available because you worry about their effect on your partner. That can mean you miss out on a lot of things that could change your life for the better.

How you should get out of your bad relationship

Stay with friends

You might feel like there is no hope and nowhere to go. However, most of us have understanding friends who will help out when we need them most. So, maybe you could go and stay with someone you know for a few weeks to get your head straight?

Accept a new job

Getting yourself out of your routine and putting yourself in a position to meet lots of new people is always a sensible move. Maybe you could accept a new job in a different city or something similar? Use that as an excuse to end the relationship and start over.

Get a divorce

If you made the mistake of marrying the wrong person; things could become a little more complicated. However, you just need to speak to a divorce lawyer and ask for their assistance. With a bit of luck, you can start the ball rolling in a matter of days, and you are sure to feel better straight away.

Now you know how and why you need to get out of your bad relationship; you should feel a little more confident in creating your plan of action. It could be good if you could sit down with the person, explain your problems, and iron them out. However, that isn’t always possible, and so sometimes you have to put yourself first. Whatever happens, ensure you make improvements in your life and avoid getting into relationships with the wrong people in the future.

You’d like to think that simply looking your stunning best will be enough to make your wedding guests say ‘wow,’ and it will! But it’s also true that every bride looks amazing on their special day. If you want to make yours stand out from the crowd, then you’ll want to go the extra mile to make it memorable. Below, we take a look at five ways you can make your guests feel the love – and have a day they’ll always remember.

Pick a Unique Venue

You could pick a venue that’s close to where you live, but where’s the fun in that? There are a million and one unique, beautiful venues across Europe, and with inexpensive flights available to and from many countries, it’s not that much of a hassle to ask your friends and family to travel overseas. If you’re not of an overly traditional bent, then you might want to consider getting married away from the church. A beautiful ceremony set among lush woodlands, with fairy lights making the space look extra magical, for example, is guaranteed to impress your guests.

Make a Strong First Impression

Of course, you’ll have plenty of opportunities to wow your wedding guests before they reach the ceremony. You can make a strong first impression by investing in beautiful wedding invitations, and by asking your guests to RSVP with added details – such as a song they’d like to hear at the wedding party. You may even ‘wow’ your guests by simply asking that they don’t bring anything other than themselves – that means no gifts – to the wedding, which is a touching detail if the ceremony is taking place overseas. Get creative with your invites, and you’ll have people keenly anticipating the fun days to come!

Riding in Style

The ceremony and the party rarely take place at the same place, so how are your guests going to get from one place to the other? Normally, this will involve a series of taxis, but there’s not going to be anything normal about your wedding! Instead, put on some funky transport, such as a themed party coach, or limos, or – if it’s not too far – a series of horse carriages for everyone. It’ll be much more exciting than having everyone patiently queuing for the next series of taxis to turn up.

Extra Touches

You’re going to have people from all walks of life attending your wedding; relatives, old friends, work colleagues, and so on, and they’re not all going to know one another. So why not help them up by adding a “who’s who” to the seating plan? You can show everyone how they know each other through six degrees of separation. It’s a great way to move past small talk and onto the fun times!

And Relax

You’ve got a dance-floor; how about a place to relax? Some people don’t want to dance all night but do want to be involved. Create a space that allows them to be involved and also unwind. They’ll love you for it.

I do not write about football or footballers much, but I am an avid fan of the German national team since the age of 15. That is almost half my life now! Last night was a sad night, as it was Lukas Podolski’s last international game.

Lukas Podolski cheering after scoring his last goal in his final International Game. What a star!

Born on the 4th of June, 1985, Lukas will be 32 this year. Although he was born in Poland, he has German nationality, which allowed him to play for the German national team. As a youth, he started off his career in Cologne. He later on joined Bayern Munich, then returned to his home town in Cologne. In 2012 he signed with Arsenal for a fee of £11,000,000. This is the club, together with Cologne in which he shined the most. Currently he is still playing with Galatasaray, a turkish football club, with a salary of around £2,500,000 each year.

He was capped by the German National team in 2004, and since then he became the third most capped player in Germany history, with 130 caps, and also the third highest goalscorer in German history, with 49 goals. In 2013, Podolski scored the fastest goal in German history; he scored after only 9 seconds in a friendly game against Ecuador.

After the Euro Cup 2016, Podolski announced his retirement from international football in order to focus on his family life. He married Monika Puchalski in 2011, and together they have a son, aged 8 (born 2008).

I have watched Podolski’s career closely with the national team and he has been one of my favourite players. Last night’s win against England would not have happened if it wasn’t for his unbelievable winning goal. What a tribute, and a great way to finish his career with the German team!

The loss of a loved one is one of the hardest things we go through as human beings. You can’t fathom the depth of pain and sadness without experiencing it firsthand. It’s also difficult watching a friend go through a bereavement. It’s natural to feel helpless and to worry about saying the wrong thing. You can’t bring their loved one back, but you can help them through the pain.

Stay In Touch

The important thing is to stay in touch. You may not know what to say, but don’t let that stop you from being present. Your friend is likely to feel hurt if you avoid her. Be honest and explain that you have no words. Tell her that you’re so sorry and that you’re there for her in any way she needs. Take a little token of your friendship, such as flowers or chocolate. This is not to make things better. It’s to show you care.

Don’t Be Afraid Of Tears

Your friend may cry, and that may be painful to watch. But tears are important. They are a way of releasing the painful feelings. Don’t run away and don’t try to make her stop. There are few greater acts of friendship than holding someone else’s pain.

When someone dies, there are lots of practical things that need to be done. People need to be notified, and funeral preparations need to be made. Often this is overwhelming. Find out if there’s anything you can do to help. It may be little things like making phone calls. Or your friend may need help with sympathy and funeral flowers.

Sometimes asking what the person needs isn’t helpful. They may be inundated with offers and not know what to say. Therefore, suggesting ways in which you could help is an option. Food is always a good place to start. Even at the most difficult times we still need to eat. People will be visiting, and food may need to be provided. Preparing some meals is likely to be welcome.

Avoid Cliches

In difficult situations, it’s easy to reach for cliches. However, where grief is concerned, they are not always well received. If you have just lost someone you care about deeply, you don’t want to hear that they are in a better place. Or, that God only sends you things you can deal with. This is likely to provoke sadness and even anger. Keep it simple. Be honest and truthful. It’s better to acknowledge you don’t know what to say, rather than reaching for a cliche.

Don’t Tell Them What To Do

Everyone grieves differently. There is no right or wrong way of navigating bereavement. Everyone must find their own process. So don’t tell your friend she’s doing it wrong. Don’t tell her the ‘right way’ to do it. Let her experience this for herself and steer her own course.

Like grieving, there’s no right or wrong way to be there for someone. First and foremost, show up. Be honest if you don’t know what to say. Try to be helpful. And then take your cue from your friend. Listen to her and be there, in whatever way she needs you to be.

As a person who thinks a lot, my mind dwells… Especially in the middle of the night when I can’t sleep… How awful is that? 😉

Well last night, I made a ground-breaking discovery; It might be nothing unusual for some, but in my case it helps me understand myself and others around me better.

When someone says I miss you, how often is it meaningful, and how often is it just a conversation filler? These words are so often overused, that they tend to lose their meaning just like when you say I love you every five minutes. It has become such a habit for people to say it, that you just never know when it is truthful or not. Besides, what are you supposed to say when someone says this to you? Oh yeah… I miss you too.

I have also realised, that there are two kinds of “I miss you”

There’s the I miss you when I am bored and lonelySo basically, this is when you are bored in work, or at home and have nothing better to do. So you would miss certain people in your life. Perhaps a good friend or someone important to you.

There’s the I miss you when I am busy and having lots of funThe nicest kind of I miss you, as you are thinking of certain people while you are having a blast – You are having such a lovely time, yet you feel something is missing and you wish that person is there to enjoy it with you. True affection, need I say more?

I have never been the kind of person who overuses such phrases.

I am a romantic, I love literature, I think I am passionate and quite an emotional person with the right people.

This in mind;
I make sure that when I say these words, I mean them.
When I say these words, I am genuine.
And I do not expect a mutual agreement.
Because… you should say such words not to seek attention, but because that is how you feel.

Should we stop asking questions, and accept our fate?
Should we just give up on things being how we want them to be?
Should we stop worrying… take life as it comes?
Should we stop dreaming?
Should stop challenging ourselves?
Should we not aim for the stars?

I will never stop questioning things, I will never stop learning things, I will never be okay with where I stand. For if I do, then what’s next? I’d be stuck for eternity doing the same things, living the same life.

Questions will help you grow.

I want to see the world, experience new adventures and new cultures.
I want to be more than just Steffi who works in IT.
I do not want my job to define me, and I don’t want my life to be linear.
I want to evolve, become a better person of myself.
I want my life to be exciting, hopeful and achievement driven.

I want be satisfied; I am content with what I have, but to me contentment is knowing that there will always be something new to discover and that boredom will never be a threat.

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Trying to define yourself is like trying to bite your own teeth. Not possible, as life changes a person, and we all grow... hopefully for the better. This is an online journal of my thoughts, my findings, and my lessons learned.